Low Income Apartments

In 2005, there were 37 million Americans living in poverty, which is defined by the Department of Health and Human Services as living with an income of just over $20,000 for a family of four. That's not a lot of income, especially if you're living in an urban area. We all know that even if you're bringing in $10,000 more than the government's stated poverty level, finding the cash to pay the rent can be tricky. 

That's when it might be time to hunt for low-income apartments, and there are a couple of paths you can take to get a lower rent.

Low-Income Apartments and Government Housing

First, the government offers programs to help provide low-income rentals to those whose incomes are less-than-stellar. In some cases, the government provides funds directly to apartment owners, who then lower their rents accordingly for low-income renters. These types of programs are well suited for senior citizens and people with disabilities, but also for families and individuals who are struggling to pay their monthly bills. There is typically an income limit associated with these rentals. You can apply by visiting the management office of the apartment that interests you. 

Finding Non-Government Low-income Apartments

If you're not interested in getting involved with government programs, you can still find a low-income rental. You just have to know how to look. 

If you know where you want to live (an especially important consideration in urban areas), you can get out and check the neighborhood for available rentals. A lot of landlords post signs in their windows or on the front gate when they have a space to rent. Carry your cell phone and a digital camera (even better if your cell phone includes a digital camera), and dial the number on the sign and talk to the landlord immediately. If you don't get anyone on the phone, you can take a quick shot of the building with your camera for reference later when you get a return call.

The great benefit of this method is that you don't waste your precious time looking at the inside of apartments whose outsides would have led you to walk away.

Other Search Methods for Finding Low-income Housing

If you're interested in renting from a larger complex that's well-known in its area, just give the management office a ring, and ask if there's anything available in the size and price range you're considering. 

Another option is a broker. Just as real estate agents handle property for purchase, in many college towns and big cities, there are apartment brokers who specialize in rentals and can tailor their search based on your needs.

Finally, don't forget the Web! There's a wealth of information on our site. Others sites that provide rental listings will let you search specifically for low-income apartments. Take advantage of Internet resources and educate yourself.  

Just make sure you check the place out before you call the movers!